Quick Details
Annual Fee
₹500
#113
Joining Fee
₹500
#112
Interest Rate
41.88% p.a.
#88
Forex Markup
3.50%
#75
Rewards/₹100
₹0.64 - ₹2.72
#86
Reward Type Reward Points
Reward Currency Points
Min Credit Score
700+
#54
Min Monthly Income ₹NaN
Network RUPAY
Late Payment Fee
Cash Advance Fee 2.50% (min ₹500)
Fee Waiver on Spend ₹50,000/yr
Reward Structure
Partner
IndianOil Outlets
₹4.80 /₹100
Cat
Grocery
₹4.80 /₹100
Cat
Bill Payments
₹4.80 /₹100
Base
All Spends
₹0.64 /₹100
Reward Calculator
₹
Allocate by Category100%
Your Rewards
Points Earned68
Cash Value₹65
Breakdown
IndianOil Outlets8
Grocery5
Bill Payments5
Other Spends50
Total Value₹65
Quick amounts:
Milestone Benefits
Welcome Bonus
Joining fee waiver on Rs 20,000 spend in first 90 days
Spend ₹20,000 within 90 days
₹500
value
Insurance Coverage
Lost Card
₹0
Zero liability.
Fraud
₹0
Zero liability.
Category Rankings
See how this card performs in different spending categories compared to other cards.
Fuel
#3 /3
5.0000 pts/₹100 Top 100%
Grocery
#3 /4
5.0000 pts/₹100 Top 75%
Quick Analysis
IndianOil HDFC Bank Credit Card is the perfect fuel card for Indian commuters offering 5% rewards on fuel and surcharge waiver. Ideal for those who refuel regularly at IndianOil stations.
Pros
- 5% fuel points on IndianOil fuel purchases
- 5% fuel points on grocery spends
- 5% fuel points on bill payments
- 1% fuel surcharge waiver (no upper limit, min Rs 400)
- Up to 50 liters free fuel annually
- Redeem fuel points at 20,000+ IndianOil outlets
- Low fee of Rs 500, waiver at just Rs 50K
- RuPay variant for UPI rewards
- Complimentary IndianOil XTRAREWARDS membership
- Joining fee waiver on Rs 20K spend in 90 days
- Low income requirement (Rs 12K/month)
Cons
- Fuel points capped at 150-250/month on fuel
- Grocery/Bill payment caps at 100 points/month each
- No airport lounge access
- No rewards on rent and government payments
- Fuel point value slightly less than Rs 1 (Rs 0.96)
- Redemption capped at 50,000 points/month
- Higher forex markup of 3.5%
Best For
Daily commuters, fuel spenders, IndianOil customers
Not Ideal For
Non-fuel users, travelers, premium card seekers
Frequently Asked Questions
What are the fees for IndianOil HDFC Bank Credit Card?
The IndianOil HDFC Bank Credit Card has a joining fee of Rs 500 and annual fee of Rs 500. The annual fee can be waived on spending Rs 50,000 in the previous year.
What is the eligibility criteria for IndianOil HDFC Bank Credit Card?
To be eligible for the IndianOil HDFC Bank Credit Card, you need a minimum monthly income of up to Rs 20,000/month, age between 21-60 years, and a credit score of 700+. HDFC Bank customers with existing relationships may get preferential treatment.
What rewards does IndianOil HDFC Bank Credit Card offer?
The IndianOil HDFC Bank Credit Card earns reward points on all spending. Each reward point is valued at approximately Rs 0.96. Points can be redeemed for vouchers, merchandise, or travel bookings through the HDFC Bank rewards portal.
Does IndianOil HDFC Bank Credit Card offer airport lounge access?
The IndianOil HDFC Bank Credit Card may provide limited or no complimentary lounge access. Please check with HDFC Bank for the latest lounge access benefits.
How can I apply for IndianOil HDFC Bank Credit Card?
You can apply for the IndianOil HDFC Bank Credit Card through HDFC Bank official website, mobile app, or by visiting your nearest HDFC Bank branch. Existing customers can also apply through net banking.
User Reviews
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